Students are notified via their student MIX email and/or letter to their permanent
address on
STAR.

Please note if you have a Federal Perkins Loan or institutional loans, you must
complete another exit counseling process in addition to federal exit counseling.
You will receive a separate communication from Heartland/ECSI regarding
how to complete this second exit counseling.

Where do you complete exit counseling?

Exit counseling can be conveniently completed online at
studentloans.gov under the "Complete Counseling" section.

How long will it take?

The entire process must be completed in a single
session. Most people complete it in 20-30 minutes.

Why is exit counseling important?

You are required to complete exit counseling if you are a loan borrower who drops
below half-time or ceases enrollment. Exit counseling teaches you important
information regarding your rights and repayment options - including what to do
if you have difficulty with repayment. It also provides the information
for your loan servicer.

You’re not alone when it comes to student loans. West Virginia University has partnered
with
Inceptia, a division of National Student Loan Program (NSLP), to provide
you with FREE assistance on your Federal student loan obligations to ensure successful,
and comfortable, loan repayment. Inceptia’s friendly customer representatives
may reach out to you during your
grace period
to answer questions you have about your loan obligation and/or repayment
options. They may also contact you if your loan(s) become
delinquent.
Inceptia is not a collection agency. We’ve partnered with them to help
you explore a wide variety of possibilities such as alternative repayment plans,
deferment, consolidation, discharge, forgiveness, and forbearance options. Inceptia
will stay in touch with you via phone calls, letters, and/or emails to help you
find answers to your questions and solutions to your issues.